How to get affordable life insurance premium for heart

patients

O It is easy to get a life insurance policy for healthy people without any pre-existing condition. However, if an individual have suffered a heart attack find it very difficult to get life insurance and at an affordable price.

O Some companies do offer term insurance for people having suffered a heart attack but they charge a higher price. But mostly it is the only way to get coverage by paying little higher premium. It is not advisable to remain without insurance as life insurance is must to have to provide financial protection to your dependents.

O It is very important that at the time of applying for a life insurance policy that you disclose all your medical condition honestly or else your claim may be rejected.

O Despite having heart condition, still you can get affordable insurance premium rates by searching online. Different insurance companies have different parameters to charge premium. Companies also look at whether you also have other high risk health conditions. Severity of the heart condition and if the condition is being properly treated is the basis to get life insurance cover and at an affordable price.

O People may find it easier to obtain affordable life insurance premiums after waiting for a significant time after the heart attack. As insurer will take into account how well the condition is being treated, the treatment is working for the patient or not etc

O If you are taking steps to prevent future problems, you are likely to get lower insurance premium. Individuals that smoke, are obese or suffer from sedentary lifestyles have higher chance of denial or being offered significantly higher premiums than those who don’t. So, lead a healthy life and save on your insurance premium.

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